Rewards
Base earn rate1% cash back on eligible purchases everywhere else Mastercard is accepted
Welcome bonusGet 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for the first 6 months on eligible purchases up to $3,000
Rewards typecashback
Fees & rates
Annual fee$0
Purchase interest rate21.74%
Cash advance rate22.99%
Foreign transaction fee2.5% (typical)
Standout perks
⭐
Save a minimum of 10% off the base rates in Canada and the U.S., and a minimum of 5% off the base rates internationally on qualifying car rentals at participating Avis and Budget locations
minimum 10% off in Canada and U.S., 5% internationally
⭐
Emergency Card Replacement on a 7-10 day delivery or by courier
💳
Trip Assistance and Legal Assistance including support for Lost Document and Ticket Replacement, Lost Luggage Assistance, Pre-trip Information and Legal Assistance
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Cash Advances at banks and ATMs internationally
Everyday features
📱 Apple Pay & Google Pay
🔒 Zero-liability fraud protection
📶 Tap to pay
🛒 Purchase security
Insurance coverage
🛡️
purchase protection
up to $60,000
🛡️
extended warranty
Included — see issuer for details.
Eligibility
Minimum personal income$15,000
Credit score guidanceGood (660+)
ResidencyCanadian resident